Home > Williamsburg First National Bank > Income and Expense
Williamsburg First National Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 4,831 |
| Total interest expense | $1,149,000 | 3,416 |
| Net interest income | $1,465,000 | 5,501 |
| Provision for loan and lease losses | $3,051,000 | 930 |
| Total noninterest income | $599,000 | 2,870 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $367,000 | 2,019 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $232,000 | 3,243 |
| Total noninterest expense | $2,672,000 | 3,420 |
| Salaries and employee benefits | $490,000 | 6,157 |
| Premises and equipment expense | $299,000 | 3,809 |
| Additional noninterest expense | $1,883,000 | 1,855 |
| Pre-tax net operating income | $-3,659,000 | 7,459 |
| Securities gains (losses) | $329,000 | 662 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,330,000 | 7,470 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,330,000 | 7,470 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,330,000 | 7,470 |
| Net charge-offs | $4,543,000 | 615 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,659,000 | 7,493 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,325,000 | 4,855 |
| Total interest expense | $616,000 | 3,360 |
| Net interest income | $709,000 | 5,621 |
| Provision for loan and lease losses | $2,649,000 | 603 |
| Total noninterest income | $287,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $170,000 | 2,132 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $117,000 | 3,232 |
| Total noninterest expense | $925,000 | 4,498 |
| Salaries and employee benefits | $-79,000 | 7,934 |
| Premises and equipment expense | $157,000 | 3,768 |
| Additional noninterest expense | $847,000 | 2,002 |
| Pre-tax net operating income | $-2,578,000 | 7,661 |
| Securities gains (losses) | $329,000 | 358 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,249,000 | 7,668 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,249,000 | 7,669 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,249,000 | 7,669 |
| Net charge-offs | $3,582,000 | 421 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,578,000 | 7,685 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,108,000 | 4,129 |
| Total interest expense | $2,830,000 | 3,568 |
| Net interest income | $4,278,000 | 4,375 |
| Provision for loan and lease losses | $8,849,000 | 959 |
| Total noninterest income | $1,306,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $940,000 | 1,781 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $366,000 | 3,679 |
| Total noninterest expense | $6,221,000 | 3,089 |
| Salaries and employee benefits | $2,470,000 | 3,722 |
| Premises and equipment expense | $754,000 | 3,278 |
| Additional noninterest expense | $2,997,000 | 2,346 |
| Pre-tax net operating income | $-9,486,000 | 7,468 |
| Securities gains (losses) | $811,000 | 599 |
| Applicable income taxes | $-963,000 | 7,267 |
| Income before extraordinary items | $-7,712,000 | 7,471 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,712,000 | 7,469 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,712,000 | 7,470 |
| Net charge-offs | $8,231,000 | 794 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-8,433,790 | 7,509 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,446,000 | 4,136 |
| Total interest expense | $2,232,000 | 3,562 |
| Net interest income | $3,214,000 | 4,385 |
| Provision for loan and lease losses | $2,112,000 | 1,842 |
| Total noninterest income | $999,000 | 2,817 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $675,000 | 1,860 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $324,000 | 3,495 |
| Total noninterest expense | $4,233,000 | 3,345 |
| Salaries and employee benefits | $1,840,000 | 3,779 |
| Premises and equipment expense | $530,000 | 3,472 |
| Additional noninterest expense | $1,863,000 | 2,720 |
| Pre-tax net operating income | $-2,132,000 | 7,079 |
| Securities gains (losses) | $169,000 | 1,411 |
| Applicable income taxes | $-726,000 | 7,459 |
| Income before extraordinary items | $-1,237,000 | 6,873 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,237,000 | 6,875 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,237,000 | 6,875 |
| Net charge-offs | $4,186,000 | 948 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,345,160 | 6,911 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,690,000 | 4,132 |
| Total interest expense | $1,538,000 | 3,608 |
| Net interest income | $2,152,000 | 4,364 |
| Provision for loan and lease losses | $150,000 | 4,729 |
| Total noninterest income | $689,000 | 2,775 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $438,000 | 1,877 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $251,000 | 3,297 |
| Total noninterest expense | $2,786,000 | 3,419 |
| Salaries and employee benefits | $1,254,000 | 3,761 |
| Premises and equipment expense | $347,000 | 3,544 |
| Additional noninterest expense | $1,185,000 | 2,866 |
| Pre-tax net operating income | $-95,000 | 6,085 |
| Securities gains (losses) | $169,000 | 1,117 |
| Applicable income taxes | $17,000 | 3,789 |
| Income before extraordinary items | $57,000 | 5,531 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 5,528 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $57,000 | 5,528 |
| Net charge-offs | $2,501,000 | 975 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-73,130 | 6,088 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 4,126 |
| Total interest expense | $778,000 | 3,685 |
| Net interest income | $1,100,000 | 4,277 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $405,000 | 2,489 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $230,000 | 1,758 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $175,000 | 2,695 |
| Total noninterest expense | $1,354,000 | 3,415 |
| Salaries and employee benefits | $570,000 | 4,044 |
| Premises and equipment expense | $166,000 | 3,699 |
| Additional noninterest expense | $618,000 | 2,503 |
| Pre-tax net operating income | $76,000 | 5,304 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $30,000 | 3,285 |
| Income before extraordinary items | $46,000 | 5,746 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $46,000 | 5,749 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $46,000 | 5,749 |
| Net charge-offs | $1,900,000 | 620 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $46,000 | 5,579 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,716,000 | 3,885 |
| Total interest expense | $3,421,000 | 3,896 |
| Net interest income | $5,295,000 | 3,790 |
| Provision for loan and lease losses | $4,345,000 | 1,108 |
| Total noninterest income | $1,276,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $950,000 | 1,838 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $326,000 | 3,947 |
| Total noninterest expense | $4,516,000 | 3,874 |
| Salaries and employee benefits | $2,172,000 | 4,190 |
| Premises and equipment expense | $644,000 | 3,715 |
| Additional noninterest expense | $1,700,000 | 3,298 |
| Pre-tax net operating income | $-2,290,000 | 7,446 |
| Securities gains (losses) | $7,000 | 2,644 |
| Applicable income taxes | $-755,000 | 7,623 |
| Income before extraordinary items | $-1,528,000 | 7,213 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,528,000 | 7,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $988,000 | 1,975 |
| Cash dividends | $384,000 | 3,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,532,690 | 7,327 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,704,000 | 3,879 |
| Total interest expense | $2,602,000 | 3,971 |
| Net interest income | $4,102,000 | 3,737 |
| Provision for loan and lease losses | $320,000 | 3,446 |
| Total noninterest income | $958,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $720,000 | 1,831 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $238,000 | 4,113 |
| Total noninterest expense | $3,228,000 | 3,996 |
| Salaries and employee benefits | $1,573,000 | 4,321 |
| Premises and equipment expense | $489,000 | 3,690 |
| Additional noninterest expense | $1,166,000 | 3,460 |
| Pre-tax net operating income | $1,512,000 | 2,834 |
| Securities gains (losses) | $7,000 | 2,502 |
| Applicable income taxes | $504,000 | 1,893 |
| Income before extraordinary items | $1,015,000 | 3,075 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,015,000 | 3,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 2,423 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,010,310 | 3,233 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,604,000 | 3,861 |
| Total interest expense | $1,747,000 | 4,095 |
| Net interest income | $2,857,000 | 3,624 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $605,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $455,000 | 1,886 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $150,000 | 4,319 |
| Total noninterest expense | $2,158,000 | 4,006 |
| Salaries and employee benefits | $1,073,000 | 4,285 |
| Premises and equipment expense | $324,000 | 3,731 |
| Additional noninterest expense | $761,000 | 3,483 |
| Pre-tax net operating income | $1,184,000 | 2,610 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $393,000 | 1,893 |
| Income before extraordinary items | $798,000 | 3,054 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $798,000 | 3,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,485 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $793,310 | 3,018 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,283,000 | 3,960 |
| Total interest expense | $899,000 | 4,188 |
| Net interest income | $1,384,000 | 3,689 |
| Provision for loan and lease losses | $40,000 | 4,096 |
| Total noninterest income | $288,000 | 3,213 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $215,000 | 1,956 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $73,000 | 4,370 |
| Total noninterest expense | $972,000 | 4,323 |
| Salaries and employee benefits | $499,000 | 4,556 |
| Premises and equipment expense | $161,000 | 3,774 |
| Additional noninterest expense | $312,000 | 4,002 |
| Pre-tax net operating income | $660,000 | 2,524 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $218,000 | 1,860 |
| Income before extraordinary items | $442,000 | 2,969 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $442,000 | 2,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,218 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $442,000 | 2,884 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,880,000 | 4,075 |
| Total interest expense | $3,285,000 | 4,517 |
| Net interest income | $5,595,000 | 3,695 |
| Provision for loan and lease losses | $295,000 | 3,233 |
| Total noninterest income | $1,205,000 | 3,133 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $951,000 | 1,852 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $254,000 | 4,554 |
| Total noninterest expense | $4,029,000 | 4,103 |
| Salaries and employee benefits | $2,162,000 | 4,141 |
| Premises and equipment expense | $613,000 | 3,781 |
| Additional noninterest expense | $1,254,000 | 3,947 |
| Pre-tax net operating income | $2,476,000 | 2,847 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $876,000 | 2,025 |
| Income before extraordinary items | $1,602,000 | 3,296 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,602,000 | 3,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,922 |
| Cash dividends | $422,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,600,700 | 3,285 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,549,000 | 4,136 |
| Total interest expense | $2,363,000 | 4,662 |
| Net interest income | $4,186,000 | 3,708 |
| Provision for loan and lease losses | $245,000 | 2,643 |
| Total noninterest income | $900,000 | 3,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $709,000 | 1,839 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $191,000 | 4,572 |
| Total noninterest expense | $2,676,000 | 4,437 |
| Salaries and employee benefits | $1,319,000 | 4,793 |
| Premises and equipment expense | $461,000 | 3,776 |
| Additional noninterest expense | $896,000 | 4,025 |
| Pre-tax net operating income | $2,165,000 | 2,699 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $714,000 | 2,054 |
| Income before extraordinary items | $1,451,000 | 3,041 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,451,000 | 3,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,771 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,451,000 | 3,022 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,270,000 | 4,229 |
| Total interest expense | $1,508,000 | 4,793 |
| Net interest income | $2,762,000 | 3,759 |
| Provision for loan and lease losses | $170,000 | 2,429 |
| Total noninterest income | $598,000 | 3,158 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $467,000 | 1,862 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $131,000 | 4,571 |
| Total noninterest expense | $1,785,000 | 4,463 |
| Salaries and employee benefits | $876,000 | 4,843 |
| Premises and equipment expense | $304,000 | 3,821 |
| Additional noninterest expense | $605,000 | 3,993 |
| Pre-tax net operating income | $1,405,000 | 2,794 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $462,000 | 2,182 |
| Income before extraordinary items | $943,000 | 3,147 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $943,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,655 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $943,000 | 3,130 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 4,268 |
| Total interest expense | $714,000 | 4,916 |
| Net interest income | $1,375,000 | 3,770 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $300,000 | 3,110 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $232,000 | 1,820 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $68,000 | 4,516 |
| Total noninterest expense | $843,000 | 4,646 |
| Salaries and employee benefits | $402,000 | 5,149 |
| Premises and equipment expense | $142,000 | 4,012 |
| Additional noninterest expense | $299,000 | 3,982 |
| Pre-tax net operating income | $742,000 | 2,697 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $245,000 | 2,116 |
| Income before extraordinary items | $497,000 | 3,041 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $497,000 | 3,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $497,000 | 3,022 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,603,000 | 4,335 |
| Total interest expense | $2,506,000 | 4,816 |
| Net interest income | $5,097,000 | 3,951 |
| Provision for loan and lease losses | $595,000 | 1,644 |
| Total noninterest income | $1,201,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $965,000 | 1,802 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $236,000 | 4,788 |
| Total noninterest expense | $3,741,000 | 4,176 |
| Salaries and employee benefits | $1,866,000 | 4,503 |
| Premises and equipment expense | $608,000 | 3,730 |
| Additional noninterest expense | $1,267,000 | 3,779 |
| Pre-tax net operating income | $1,962,000 | 3,690 |
| Securities gains (losses) | $2,000 | 1,439 |
| Applicable income taxes | $680,000 | 2,714 |
| Income before extraordinary items | $1,284,000 | 4,135 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,284,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-148,000 | 8,544 |
| Cash dividends | $394,000 | 4,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,282,700 | 4,114 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,529,000 | 4,405 |
| Total interest expense | $1,756,000 | 4,916 |
| Net interest income | $3,773,000 | 4,010 |
| Provision for loan and lease losses | $475,000 | 1,450 |
| Total noninterest income | $900,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $720,000 | 1,816 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $180,000 | 4,755 |
| Total noninterest expense | $2,595,000 | 4,424 |
| Salaries and employee benefits | $1,270,000 | 4,789 |
| Premises and equipment expense | $463,000 | 3,687 |
| Additional noninterest expense | $862,000 | 4,043 |
| Pre-tax net operating income | $1,603,000 | 3,640 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $529,000 | 2,783 |
| Income before extraordinary items | $1,074,000 | 3,995 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,074,000 | 3,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-157,000 | 8,604 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,074,000 | 3,987 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,528,000 | 4,488 |
| Total interest expense | $1,068,000 | 5,054 |
| Net interest income | $2,460,000 | 4,089 |
| Provision for loan and lease losses | $295,000 | 1,552 |
| Total noninterest income | $605,000 | 3,103 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $477,000 | 1,814 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $1,735,000 | 4,433 |
| Salaries and employee benefits | $870,000 | 4,728 |
| Premises and equipment expense | $296,000 | 3,809 |
| Additional noninterest expense | $569,000 | 4,081 |
| Pre-tax net operating income | $1,035,000 | 3,728 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $342,000 | 2,863 |
| Income before extraordinary items | $693,000 | 4,099 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $693,000 | 4,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,374 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $693,000 | 4,085 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 4,551 |
| Total interest expense | $484,000 | 5,213 |
| Net interest income | $1,212,000 | 4,128 |
| Provision for loan and lease losses | $125,000 | 1,687 |
| Total noninterest income | $299,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $237,000 | 1,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,677 |
| Total noninterest expense | $814,000 | 4,640 |
| Salaries and employee benefits | $393,000 | 5,071 |
| Premises and equipment expense | $144,000 | 3,911 |
| Additional noninterest expense | $277,000 | 4,151 |
| Pre-tax net operating income | $572,000 | 3,425 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $189,000 | 2,686 |
| Income before extraordinary items | $383,000 | 3,809 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $383,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,265 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $383,000 | 3,792 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,459,000 | 4,869 |
| Total interest expense | $1,190,000 | 5,830 |
| Net interest income | $4,269,000 | 4,427 |
| Provision for loan and lease losses | $115,000 | 4,632 |
| Total noninterest income | $1,013,000 | 3,528 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $787,000 | 2,135 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $226,000 | 4,929 |
| Total noninterest expense | $3,267,000 | 4,508 |
| Salaries and employee benefits | $1,732,000 | 4,600 |
| Premises and equipment expense | $543,000 | 3,943 |
| Additional noninterest expense | $992,000 | 4,443 |
| Pre-tax net operating income | $1,900,000 | 3,815 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $666,000 | 2,905 |
| Income before extraordinary items | $1,234,000 | 4,278 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,234,000 | 4,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,685 |
| Cash dividends | $384,000 | 4,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,234,000 | 4,253 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,912,000 | 4,992 |
| Total interest expense | $759,000 | 6,146 |
| Net interest income | $3,153,000 | 4,480 |
| Provision for loan and lease losses | $55,000 | 5,056 |
| Total noninterest income | $724,000 | 3,663 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $550,000 | 2,257 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,910 |
| Total noninterest expense | $2,286,000 | 4,695 |
| Salaries and employee benefits | $1,181,000 | 4,870 |
| Premises and equipment expense | $393,000 | 4,018 |
| Additional noninterest expense | $712,000 | 4,574 |
| Pre-tax net operating income | $1,536,000 | 3,684 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $507,000 | 2,908 |
| Income before extraordinary items | $1,029,000 | 4,077 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,029,000 | 4,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,320 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,029,000 | 4,040 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,532,000 | 5,027 |
| Total interest expense | $408,000 | 6,562 |
| Net interest income | $2,124,000 | 4,422 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $452,000 | 3,765 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $354,000 | 2,288 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $98,000 | 5,236 |
| Total noninterest expense | $1,415,000 | 4,936 |
| Salaries and employee benefits | $709,000 | 5,206 |
| Premises and equipment expense | $243,000 | 4,230 |
| Additional noninterest expense | $463,000 | 4,630 |
| Pre-tax net operating income | $1,131,000 | 3,398 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $373,000 | 2,722 |
| Income before extraordinary items | $758,000 | 3,757 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $758,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,175 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $758,000 | 3,713 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 5,614 |
| Total interest expense | $174,000 | 6,869 |
| Net interest income | $864,000 | 5,091 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $230,000 | 3,656 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $174,000 | 2,263 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,934 |
| Total noninterest expense | $642,000 | 5,279 |
| Salaries and employee benefits | $332,000 | 5,462 |
| Premises and equipment expense | $109,000 | 4,578 |
| Additional noninterest expense | $201,000 | 5,048 |
| Pre-tax net operating income | $437,000 | 4,044 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $144,000 | 3,169 |
| Income before extraordinary items | $293,000 | 4,440 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $293,000 | 4,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,867 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $293,000 | 4,394 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,159,000 | 5,437 |
| Total interest expense | $714,000 | 6,537 |
| Net interest income | $3,445,000 | 4,964 |
| Provision for loan and lease losses | $160,000 | 4,119 |
| Total noninterest income | $935,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $752,000 | 2,254 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $183,000 | 5,292 |
| Total noninterest expense | $2,680,000 | 5,053 |
| Salaries and employee benefits | $1,404,000 | 5,160 |
| Premises and equipment expense | $375,000 | 4,978 |
| Additional noninterest expense | $901,000 | 4,691 |
| Pre-tax net operating income | $1,540,000 | 4,179 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $533,000 | 3,242 |
| Income before extraordinary items | $1,007,000 | 4,680 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,007,000 | 4,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,675 |
| Cash dividends | $346,000 | 4,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,007,000 | 4,609 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 5,461 |
| Total interest expense | $534,000 | 6,539 |
| Net interest income | $2,555,000 | 4,985 |
| Provision for loan and lease losses | $140,000 | 3,657 |
| Total noninterest income | $705,000 | 3,714 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $559,000 | 2,280 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $146,000 | 5,185 |
| Total noninterest expense | $1,947,000 | 5,125 |
| Salaries and employee benefits | $1,022,000 | 5,248 |
| Premises and equipment expense | $267,000 | 5,121 |
| Additional noninterest expense | $658,000 | 4,739 |
| Pre-tax net operating income | $1,173,000 | 4,211 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $387,000 | 3,363 |
| Income before extraordinary items | $786,000 | 4,670 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $786,000 | 4,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,739 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $786,000 | 4,585 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,057,000 | 5,465 |
| Total interest expense | $367,000 | 6,492 |
| Net interest income | $1,690,000 | 5,010 |
| Provision for loan and lease losses | $110,000 | 3,324 |
| Total noninterest income | $475,000 | 3,695 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $377,000 | 2,255 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $98,000 | 5,194 |
| Total noninterest expense | $1,274,000 | 5,221 |
| Salaries and employee benefits | $651,000 | 5,438 |
| Premises and equipment expense | $177,000 | 5,163 |
| Additional noninterest expense | $446,000 | 4,708 |
| Pre-tax net operating income | $781,000 | 4,179 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $258,000 | 3,336 |
| Income before extraordinary items | $523,000 | 4,624 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $523,000 | 4,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 8,914 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $523,000 | 4,533 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,046,000 | 5,431 |
| Total interest expense | $186,000 | 6,530 |
| Net interest income | $860,000 | 4,956 |
| Provision for loan and lease losses | $70,000 | 2,755 |
| Total noninterest income | $246,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $193,000 | 2,146 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $53,000 | 5,009 |
| Total noninterest expense | $659,000 | 5,124 |
| Salaries and employee benefits | $321,000 | 5,515 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $251,000 | 4,304 |
| Pre-tax net operating income | $377,000 | 4,231 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $126,000 | 3,404 |
| Income before extraordinary items | $251,000 | 4,743 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $251,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-135,000 | 9,001 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $251,000 | 4,622 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,246,000 | 5,431 |
| Total interest expense | $826,000 | 6,633 |
| Net interest income | $3,420,000 | 4,874 |
| Provision for loan and lease losses | $265,000 | 3,440 |
| Total noninterest income | $868,000 | 4,028 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $696,000 | 2,369 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $172,000 | 5,582 |
| Total noninterest expense | $2,692,000 | 4,957 |
| Salaries and employee benefits | $1,347,000 | 5,218 |
| Premises and equipment expense | $390,000 | 4,807 |
| Additional noninterest expense | $955,000 | 4,419 |
| Pre-tax net operating income | $1,331,000 | 4,422 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $440,000 | 3,599 |
| Income before extraordinary items | $894,000 | 4,955 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $894,000 | 4,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 1,931 |
| Cash dividends | $336,000 | 4,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $891,990 | 4,791 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,202,000 | 5,477 |
| Total interest expense | $629,000 | 6,744 |
| Net interest income | $2,573,000 | 4,871 |
| Provision for loan and lease losses | $175,000 | 3,642 |
| Total noninterest income | $640,000 | 4,126 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $508,000 | 2,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $132,000 | 5,579 |
| Total noninterest expense | $1,948,000 | 5,072 |
| Salaries and employee benefits | $1,012,000 | 5,207 |
| Premises and equipment expense | $293,000 | 4,793 |
| Additional noninterest expense | $643,000 | 4,765 |
| Pre-tax net operating income | $1,090,000 | 4,327 |
| Securities gains (losses) | $3,000 | 3,777 |
| Applicable income taxes | $366,000 | 3,557 |
| Income before extraordinary items | $727,000 | 4,886 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $727,000 | 4,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,573 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $724,990 | 4,700 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,109,000 | 5,559 |
| Total interest expense | $421,000 | 6,844 |
| Net interest income | $1,688,000 | 4,923 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $435,000 | 4,060 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $337,000 | 2,419 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $98,000 | 5,351 |
| Total noninterest expense | $1,240,000 | 5,221 |
| Salaries and employee benefits | $668,000 | 5,259 |
| Premises and equipment expense | $185,000 | 4,948 |
| Additional noninterest expense | $387,000 | 5,124 |
| Pre-tax net operating income | $783,000 | 4,113 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $263,000 | 3,466 |
| Income before extraordinary items | $523,000 | 4,678 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $523,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,218 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $520,990 | 4,489 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 5,653 |
| Total interest expense | $211,000 | 6,924 |
| Net interest income | $824,000 | 4,988 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $225,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $170,000 | 2,334 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $610,000 | 5,283 |
| Salaries and employee benefits | $332,000 | 5,279 |
| Premises and equipment expense | $92,000 | 4,977 |
| Additional noninterest expense | $186,000 | 5,230 |
| Pre-tax net operating income | $384,000 | 4,132 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $128,000 | 3,508 |
| Income before extraordinary items | $259,000 | 4,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 4,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,690 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $256,990 | 4,443 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,724,000 | 5,363 |
| Total interest expense | $1,069,000 | 6,748 |
| Net interest income | $3,655,000 | 4,632 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $790,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $526,000 | 2,849 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $264,000 | 4,520 |
| Total noninterest expense | $2,570,000 | 4,996 |
| Salaries and employee benefits | $1,458,000 | 4,793 |
| Premises and equipment expense | $393,000 | 4,715 |
| Additional noninterest expense | $719,000 | 5,317 |
| Pre-tax net operating income | $1,575,000 | 3,981 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $553,000 | 3,262 |
| Income before extraordinary items | $1,035,000 | 4,505 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,035,000 | 4,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 9,140 |
| Cash dividends | $365,000 | 3,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,026,550 | 4,403 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,843,000 | 5,732 |
| Total interest expense | $1,838,000 | 6,361 |
| Net interest income | $3,005,000 | 5,066 |
| Provision for loan and lease losses | $218,000 | 3,945 |
| Total noninterest income | $654,000 | 4,365 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $453,000 | 3,073 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $201,000 | 4,919 |
| Total noninterest expense | $2,232,000 | 5,338 |
| Salaries and employee benefits | $1,275,000 | 5,103 |
| Premises and equipment expense | $348,000 | 5,049 |
| Additional noninterest expense | $609,000 | 5,783 |
| Pre-tax net operating income | $1,209,000 | 4,400 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $405,000 | 3,713 |
| Income before extraordinary items | $804,000 | 4,853 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $804,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 2,134 |
| Cash dividends | $317,000 | 4,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $804,000 | 4,747 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,804,000 | 5,887 |
| Total interest expense | $1,993,000 | 6,287 |
| Net interest income | $2,811,000 | 5,387 |
| Provision for loan and lease losses | $86,000 | 5,621 |
| Total noninterest income | $587,000 | 4,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $426,000 | 3,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,307 |
| Total noninterest expense | $2,212,000 | 5,311 |
| Salaries and employee benefits | $1,319,000 | 4,855 |
| Premises and equipment expense | $340,000 | 5,036 |
| Additional noninterest expense | $553,000 | 6,052 |
| Pre-tax net operating income | $1,100,000 | 4,999 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $364,000 | 4,187 |
| Income before extraordinary items | $736,000 | 5,274 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $736,000 | 5,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,164 |
| Cash dividends | $298,000 | 4,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $736,000 | 5,282 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 5,974 |
| Total interest expense | $1,645,000 | 6,647 |
| Net interest income | $2,812,000 | 5,415 |
| Provision for loan and lease losses | $116,000 | 4,933 |
| Total noninterest income | $521,000 | 4,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,228 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,110 |
| Total noninterest expense | $2,047,000 | 5,603 |
| Salaries and employee benefits | $1,120,000 | 5,425 |
| Premises and equipment expense | $333,000 | 5,141 |
| Additional noninterest expense | $594,000 | 5,866 |
| Pre-tax net operating income | $1,170,000 | 4,839 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $380,000 | 4,298 |
| Income before extraordinary items | $793,000 | 5,117 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $793,000 | 5,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $298,000 | 4,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $790,960 | 5,085 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,238,000 | 6,274 |
| Total interest expense | $1,557,000 | 7,074 |
| Net interest income | $2,681,000 | 5,578 |
| Provision for loan and lease losses | $168,000 | 3,936 |
| Total noninterest income | $456,000 | 5,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $345,000 | 3,541 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $1,916,000 | 5,762 |
| Salaries and employee benefits | $1,122,000 | 5,325 |
| Premises and equipment expense | $286,000 | 5,529 |
| Additional noninterest expense | $508,000 | 6,372 |
| Pre-tax net operating income | $1,053,000 | 5,265 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $342,000 | 4,825 |
| Income before extraordinary items | $731,000 | 5,478 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $731,000 | 5,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $288,000 | 4,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $717,400 | 5,430 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,207,000 | 6,466 |
| Total interest expense | $1,620,000 | 7,079 |
| Net interest income | $2,587,000 | 5,911 |
| Provision for loan and lease losses | $114,000 | 4,905 |
| Total noninterest income | $470,000 | 5,199 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,369 |
| Total noninterest expense | $1,919,000 | 5,806 |
| Salaries and employee benefits | $1,092,000 | 5,511 |
| Premises and equipment expense | $267,000 | 5,836 |
| Additional noninterest expense | $560,000 | 6,049 |
| Pre-tax net operating income | $1,024,000 | 5,760 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $305,000 | 5,683 |
| Income before extraordinary items | $719,000 | 5,824 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $719,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,411 |
| Cash dividends | $278,000 | 4,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $719,000 | 5,774 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,722,000 | 7,130 |
| Total interest expense | $1,398,000 | 7,833 |
| Net interest income | $2,324,000 | 6,523 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $473,000 | 5,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $1,758,000 | 6,482 |
| Salaries and employee benefits | $972,000 | 6,118 |
| Premises and equipment expense | $240,000 | 6,386 |
| Additional noninterest expense | $546,000 | 6,715 |
| Pre-tax net operating income | $979,000 | 5,822 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $267,000 | 6,222 |
| Income before extraordinary items | $714,000 | 5,700 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $714,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,473 |
| Cash dividends | $269,000 | 4,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $712,540 | 5,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 7,405 |
| Total interest expense | $1,346,000 | 8,128 |
| Net interest income | $2,273,000 | 6,744 |
| Provision for loan and lease losses | $63,000 | 5,638 |
| Total noninterest income | $461,000 | 5,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $368,000 | 3,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,460 |
| Total noninterest expense | $1,651,000 | 6,843 |
| Salaries and employee benefits | $922,000 | 6,448 |
| Premises and equipment expense | $179,000 | 7,622 |
| Additional noninterest expense | $550,000 | 6,874 |
| Pre-tax net operating income | $1,020,000 | 5,912 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $302,000 | 5,973 |
| Income before extraordinary items | $718,000 | 5,877 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $718,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $259,000 | 4,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $718,000 | 5,856 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,293,000 | 7,628 |
| Total interest expense | $1,117,000 | 8,227 |
| Net interest income | $2,176,000 | 7,138 |
| Provision for loan and lease losses | $69,000 | 5,368 |
| Total noninterest income | $468,000 | 5,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,945 |
| Total noninterest expense | $1,614,000 | 7,255 |
| Salaries and employee benefits | $854,000 | 6,908 |
| Premises and equipment expense | $164,000 | 8,211 |
| Additional noninterest expense | $596,000 | 7,070 |
| Pre-tax net operating income | $961,000 | 6,113 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $284,000 | 6,074 |
| Income before extraordinary items | $675,000 | 6,061 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $675,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $676,400 | 6,128 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,485,000 | 7,553 |
| Total interest expense | $1,269,000 | 8,002 |
| Net interest income | $2,216,000 | 7,142 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $474,000 | 5,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $368,000 | 3,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $1,647,000 | 7,365 |
| Salaries and employee benefits | $847,000 | 7,033 |
| Premises and equipment expense | $169,000 | 8,403 |
| Additional noninterest expense | $631,000 | 7,067 |
| Pre-tax net operating income | $963,000 | 6,056 |
| Securities gains (losses) | $-4,000 | 12,523 |
| Applicable income taxes | $281,000 | 6,325 |
| Income before extraordinary items | $678,000 | 6,251 |
| Extraordinary gains, net | $-2,000 | 12,173 |
| Net income | $676,000 | 6,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 6,315 |
| Cash dividends | $240,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $680,840 | 5,984 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,816,000 | 7,747 |
| Total interest expense | $1,575,000 | 8,286 |
| Net interest income | $2,241,000 | 7,148 |
| Provision for loan and lease losses | $178,000 | 5,607 |
| Total noninterest income | $450,000 | 6,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $371,000 | 3,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,899 |
| Total noninterest expense | $1,554,000 | 7,724 |
| Salaries and employee benefits | $785,000 | 7,356 |
| Premises and equipment expense | $167,000 | 8,636 |
| Additional noninterest expense | $602,000 | 7,489 |
| Pre-tax net operating income | $959,000 | 5,810 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $279,000 | 6,238 |
| Income before extraordinary items | $684,000 | 6,021 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $684,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 6,002 |
| Cash dividends | $230,000 | 4,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $681,160 | 5,696 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.